Four kids is a lot to handle.

A full-time job teaching middle school is a lot to handle.

Being a single mom is alotto handle.

A family pose outside against a white wall.

The Ramirez children have all embraced the Greenlight card. They buy various things with their cards, including clothes, computer parts, Harry Styles posters, tchotchkes and a lacrosse stick. Photo courtesy of Jessica Bodas Photography

Dr. Brandee Ramirez, who lives in Orange County, California, wanted her kids to learn about responsibility.

So it made sense for them to do household chores and earn allowances.

The only problem was, it was starting to be a hassle to keep track of.

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Kind of a bear, actually.

Theyll buy things like that with the money they earn from chores.

But it was me constantly doling out a buck here, two bucks here.

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I was like, I need some sort of system.

Ramirez got four of them.

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One of the Best Decisions as a Parent

So, hows it working out for her?

Im obsessed with it, she says.

Ive told so many other parents about it.

Greenlight card is one of the best decisions as a parent Ive made lately.

Its been life-changing with regards to financial literacy for my kids and me.

And the bigger picture is, its a smart and strategic tool for raising financially savvy kids.

Like Ramirez, you’ve got the option to set up Greenlight to automatically pay your kids allowance.

One is a Spend Anywhere bucket that allows your child to use the money anywhere that takes Mastercard.

Ramirez likes that she gets these alerts even when her kids are staying with their dad.

So Ramirez, with her four kids, doesnt have to pay extra.

They sweep and mop and vacuum.

They do the dishes and take out the trash.

They feed and walk the dog.

They make school lunches.

Theyre learning they have to earn their money.

Naturally, they all use their Greenlight cards in dramatically different ways.

The 14-year-old daughter buys clothes.

The 12-year-old son is building his own computer.

The 11-year-old daughter saves up for Harry Styles posters and tchotchkes.

The 11-year-old son is saving up for a nice lacrosse stick.

They keep close track of their money a laser-like focus, really.

Theyve totally embraced their Greenlight cards.

They got a bunch of cash from family members for graduation, Ramirez says.

Its weird because when I was a kid, I loved to see the cash.

Theyre just so digital, so they like to see it on their screen.

Ramirez keeps recommending the Greenlight card to friends of hers, and they keep signing up.

Ive heard nothing but good things, she says.

Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder.

(Can you sense my millennial sarcasm there?)

You know which ones were talking about: rent, utilities, cell phone bill, insurance, groceries…